HCCB Swe-Rojgar :

Purpose :- This is a credit facility meant for self-employed individuals for meeting their various occupation related financial needs.

Eligibility: An Individuals either Either self employed or to start a new self employment activity.

Quantum, Tenure and repayment of loan: Maximum Rs. 25000/- repayable in monthly instalments in maximum 60 months.

Margin & Security: No Margin requirements, no security except two good personal sureties.

Interest Rate: As applicable time to time.

HCCB NFS Composite 50

Purpose :- This is a medium term loan facility meant for self-employed individuals running small business/manufacturing/service unit for meeting their various credit needs.

Eligibility: An Individuals either either running an old unit or to start a new self employment activity.

Quantum, Tenure and repayment of loan: Maximum Rs. 50000/- repayable in monthly instalments in maximum 60 months.

Margin & Security: No Margin requirements, no security except two good personal sureties.

Interest Rate: As applicable time to time.

HCCB CCRT

Purpose :- This is a cash credit facility meant for self-employed individuals running small retail/shop/business/manufacturing/service unit for meeting working capital requirement of raw material stock etc.

Eligibility: An Individuals running an old retail/business/service unit.

Quantum, Tenure and repayment of loan: Maximum limit Rs. 50000/- renewable every year.

Security: Primary security of stock/assets created through bank finance, no collateral security except two good personal sureties.

Interest Rate: As applicable time to time.

HCCB Cow Loan:

Purpose :- This is a medium term loan facility meant for individuals to purchase maximum two cows/cattle.

Eligibility: Any Individual member of Milk Producing Co-op. Society.

Quantum, Tenure and repayment of loan: Maximum Rs. 100000/- repayable in monthly instalments in maximum 60 months.

Margin: 15%

Security: no collateral security except two good sureties and hypothecation of cattle.

Interest Rate: As applicable time to time.

Loan to Self Help Groups:

Purpose: For meeting financial needs of SHG to further lend to members of SHGs.

Quantum of Finance: maximum 4 times the corpus of the Group.

Interest Rate: 9.50 % to 10 % or as applicable time to time.

Margin: No margin

Security: No Security

HCCB Mai Bhago Istri Shakti:

Beneficiary: Rural women

Purpose: To provide micro finance for meeting occupational/financial/personal needs.

Term: Maximum 5 years

Security: Two good personal sureties.

Interest Rate: 9.25% or as applicable time to time

HCCB JLG Finance:

Beneficiary: A group of 4-5 individuals preferable of similar occupation and having small credit requirement who are ready to furnish mutual guarantee to bank for personaly as well as jointly and severally liabile

Quantum of Loan: Maximum Rs. 50000/- per member.

Interest Rate: As applicable time to time

Term: Maximum 5 years

HCCB Debt Swap Scheme:

Purpose: Purpose of the scheme is to save the farmers from exploitation of private money lenders arhtyias by providing bank finance to clear burden of  costly debt.

Beneficiary: Small and marginal farmers who have availed loan from private money lender are ready to clear the same with will to never get traped in the private money lender's net in future.

Quantum of Loan: Maximum 1.00 Lac or equal to actual debt of money lender whichever is less.

Term: Maximum 5 years repayable half yearly.

Interest: 11 % per annum with half yearly rests.

Security: Land security equal to 150% the amount of loan.

Kisan Credit Card(through PACS)

Purpose: To provide easy, timely and effective finance for crop loan to small and marginal farmers having land up to 5 acres.

Repayment: linked with harvesting season of the crop after 6 month.

Interest Rate: 7%. Effective interest is 4 % after interest subvention of 3 % to timely repaid loan account.

Insurance: Accidental insurance up to Rs. 50000/- is available at very nominal premium.

HCCB loan for setting Net House:

Beneficiary:       Any Individual farmer holding the agriculture land.

Purpose: To grow the seasonal vegetables

Quantum of Loan: Maximum Rs.90000/-

Interest Rate: 12%

Margin: No margin required.

Term of Loan: maximum 5 years repayble monthly

Security: No collateral.Only two good sureties are required

Bhai Lalo Sehkari Kirt Shakti Scheme

HCCB MT Agriculture Loan:

Beneficiary: Farmers

Purpose: Investment credit for installation of pump set, purcchase of agri implements, land reclamation, construction of bunds, poultry, piggery,Purchase of Milch Cattle, Gobar Gas Plant.

Quantum: -

Rate of Interest: 13.50 %

Term: 5 yeras

Collateral Security: As per requirements under scheme.